Mobile Payments: What We Can Learn from the Past
Total Page:16
File Type:pdf, Size:1020Kb
Load more
Recommended publications
-
306-324 Angol Czimer Jozsef.Indd
306 JÓZSEF CZÍMER CHANGING PAYMENT LANDSCAPE1 József Czímer Th is paper is intended to be diff erent from others. I shall of course discuss almost all new achievements in the forefront of the payments industry – and there is a large number of them – but we shall see how very few systems in fact serve the vast numbers of diff erent payment tools. Also, this article tries not to be too technical, because the authors believe that even bankers claiming to be payments specialist are unfamiliar with the entire value chain of the payment service industry. Th e aim of this paper is to show what the customer sees and what is behind this front and accordingly, to show the interaction between the various elements of the system. JEL codes: G20, G21, G23 Keywords: payment services, bank card payments, mobile payments, payment infrastucure Although the European Parliament adopted European Commission proposal to create safer and more innovative European payments in Brussels on 8 October 2015, known as PSD2, this paper will refer to the PSD1 due to the fact that, fi rstly, the PSD2 has not yet entered into force and, secondly, the PSDs this paper deals with have not been changed signifi cantly. When PSD2 enters into force it will intend to amend and replace PSD1 to •reduce ambiguity; • level the playing fi eld for payments providers; • increase consumer protection; • stimulate innovation; • increase competition; and • enforce the implementation of new payments type. Th e two major provisions and implications of PSD2 will be the followings: • it accepts the Th ird Party Payment (TPP) provision; and • under the “Access to Accounts” (XS2A) rule it will force banks to provide customer account information to third parties via API, if the account holder agrees. -
Set of Rules for AAU Credit Cards with Corporate Liability - Staff
Aalborg University Set of rules for AAU credit cards with corporate liability - staff Disclaimer This set of rules for AAU credit cards with corporate liability has been translated into English from the Danish language. However, the original Danish text shall be the governing text for all purposes and in any discrepancies. Finance and Accounts Department Translated into English 28 May 2014 Contents 1. Introduction ..................................................................................................................................................2 2. Who can obtain an AAU credit card with corporate liability? ......................................................................2 3. Application for a credit card with corporate liability ...................................................................................2 4. Personal data ................................................................................................................................................2 5. Receipt of credit card and PIN ......................................................................................................................3 6. Card holder's obligations ..............................................................................................................................3 7. User guide for holders of credit cards with corporate liability ....................................................................3 8. Settlement of e-transactions on credit cards with corporate liability ..........................................................4 -
The Millennials Influence
RESEARCH 2016 THE MILLENNIAL INFLUENCE HOW MILLENNIALS OF THE USA WILL SHAPE TOMORROW’S PAYMENTS LANDSCAPE USA INTRODUCTION CONTENTS INTRODUCTION 3 This research into US millennials’ Millennials are coming of age – the I hope you find these insights and payments behavior is part of our long- oldest of them are hitting the peak of themes both interesting and useful WHAT ARE WE TALKING ABOUT? 4 standing commitment to play a leading their economic productivity and their and encourage you to continue the role in the discussion about the future of greatest purchasing power. Their choices, debate through our online hub OUR AIMS AND APPROACH 5 payments systems. their behaviors and their concerns are Vocalink CONNECT. MILLENNIALS AND THEIR TECH 6 set to profoundly shape developments Having been at the forefront of across every spectrum of business and SOCIAL MILLENNIALS 8 developments in our industry for 60 commerce, and nowhere more so than years, we see proprietary research and in how they access their money. Starting MILLENNIALS AND THEIR MONEY 10 market analysis as a fundamental part in the US, and moving to South East Asia of our offering. As providers of the and Europe, we are taking a close look CARA O’NIONS HOW MILLENNIALS LIKE TO PAY 12 infrastructure through which so much at what millennials are saying about how MARKETING AND CUSTOMER of business and personal commerce INSIGHT DIRECTOR THE MILLENNIAL INFLUENCE 14 they want to pay and what this means for is conducted, we are uniquely well- the next generation of payments. HOW MILLENNIALS LIKE TO BE PAID 16 placed to explore and offer insight on emerging trends and behaviors For us this has already been a MILLENNIALS AND MOBILE PAYMENTS 18 in the way people and organizations fascinating journey, and we’re only want to access and move their money. -
Banktocustomerdebitcreditnoti
Usage Guideline BankToCustomerDebitCreditNotificationV06 - Mixed Bank to Corporate Messages Portfolio - Draft - January 31, 2017 This document describes a usage guideline restricting the base message MX camt.054.001.06. You can also consult this information online. Published by Payments Canada and generated by MyStandards. 30 January 2017 Usage Guideline Table of Contents .Message Functionality ................................................................................................................................................. 3 1 Restriction summary ......................................................................................................................................... 5 2 Structure ................................................................................................................................................................. 6 3 Rules ......................................................................................................................................................................... 7 4 Message Building Blocks ............................................................................................................................... 8 5 Message Components .................................................................................................................................... 10 6 Message Datatypes ........................................................................................................................................ 226 7 Restriction appendix -
Mastercard Frequently Asked Questions Platinum Class Credit Cards
Mastercard® Frequently Asked Questions Platinum Class Credit Cards How do I activate my Mastercard credit card? You can activate your card and select your Personal Identification Number (PIN) by calling 1-866-839-3492. For enhanced security, RBFCU credit cards are PIN-preferred and your PIN may be required to complete transactions at select merchants. After you activate your card, you can manage your account through your Online Banking account and/or the RBFCU Mobile app. You can: • View transactions • Enroll in paperless statements • Set up automatic payments • Request Balance Transfers and Cash Advances • Report a lost or stolen card • Dispute transactions Click here to learn more about managing your card online. How do I change my PIN? Over the phone by calling 1-866-297-3413. There may be situations when you are unable to set your PIN through the automated system. In this instance, please visit an RBFCU ATM to manually set your PIN. Can I use my card in my mobile wallet? Yes, our Mastercard credit cards are compatible with PayPal, Apple Pay®, Samsung Pay, FitbitPay™ and Garmin FitPay™. Click here for more information on mobile payments. You can also enroll in Mastercard Click to Pay which offers online, password-free checkout. You can learn more by clicking here. How do I add an authorized user? Please call our Member Service Center at 1-800-580-3300 to provide the necessary information in order to qualify an authorized user. All non-business Mastercard account authorized users must be members of the credit union. Click here to learn more about authorized users. -
Service Provider Name Region AOC Date Assessor DESV
A company’s name appears on this Compliant Service Provider List if (i) Mastercard has received a copy of an Attestation of Compliance (AOC) by a Qualified Security Assessor (QSA) reflecting validation of the company being PCI DSS compliant and (ii) Mastercard records reflect the company is registered as a Service Provider by one or more Mastercard Customers. The date of the AOC and the name of the QSA are also provided. Each AOC is valid for one year. Mastercard receives copies of AOCs from various sources. This Compliant Service Provider List is provided solely for the convenience of Mastercard Customers and any Customer that relies upon or otherwise uses this Compliant Service Provider list does so at the Customer’s sole risk. While Mastercard endeavors to keep the list current as of the date set forth in the footer, Mastercard disclaims any and all warranties of any kind, including any warranty of accuracy or completeness or fitness for any particular purpose. Mastercard disclaims any and all liability of any nature relating to or arising in connection with the use of or reliance on the Compliant Service Provider List or any part thereof. Each Mastercard Customer is obligated to comply with Mastercard Rules and other Standards pertaining to use of a Service Provider. As a reminder, an AOC by a QSA provides a “snapshot” of security controls in place at a point in time. Compliant Service Provider 1-60 Days Past AOC Due Date 61-90 Days Past AOC Due Date Service Provider Name Region AOC Date Assessor DESV “BPC Processing”, LLC Europe 03/31/2017 Informzaschita 1&1 Internet SE (1&1, 1&1 ipayment, Europe 05/08/2017 Security Research & Consulting GmbH ipayment.de) 1Shoppingcart.com (Web.com Group, lnc.) US 04/29/2017 SecurityMetrics 2138617 Ontario Inc. -
Security Cover
BASE PROSPECTUS TELEFO´ NICA EMISIONES S.A.U. (incorporated with limited liability under the laws of The Kingdom of Spain) guaranteed by TELEFO´ NICA, S.A. (incorporated with limited liability in The Kingdom of Spain) A15,000,000,000 PROGRAMME FOR THE ISSUANCE OF WHOLESALE DEBT INSTRUMENTS This prospectus has been approved by the United Kingdom Financial Services Authority (the ‘‘FSA’’), which is the competent authority for the purposes of Directive 2003/71/EC (the ‘‘Prospectus Directive’’) and relevant implementing measures in the United Kingdom, as a base prospectus (the ‘‘Base Prospectus’’) issued in compliance with the Prospectus Directive and relevant implementing measures in the United Kingdom for the purpose of giving information with regard to Telefo´nica Emisiones S.A.U., Telefo´nica, S.A. and the issue of debt instruments (the ‘‘Instruments’’) under the programme described above (the ‘‘Programme’’) during the period of twelve months after the date hereof. Applications have been made to the Financial Services Authority in its capacity as competent authority under the Financial Services and Markets Act 2000 (the ‘‘FSMA’’) for Instruments issued within 12 months from the date hereof to be admitted to the official list of the FSA (the ‘‘Official List’’) and to the London Stock Exchange plc (the ‘‘London Stock Exchange’’) for such Instruments to be admitted to trading on the London Stock Exchange’s Gilt-Edged and Fixed Interest Market. References in this Base Prospectus to Instruments being ‘‘listed’’ (and all related references) shall mean that such Instruments have been admitted to the Official List and have been admitted to trading on the London Stock Exchange’s Gilt-Edged and Fixed Interest Market. -
ABCD Life Sciences Top Titles
ABCD springer.com Life Sciences Top Titles September 2009 springer.com Biochemistry (general) 2 Biochemistry (general) powerful tool that enables us to seek a deeper under- ine the relevant physiological, emotional, cognitive standing of the complex mechanisms underpinning so and social processes. The resulting understanding of many vital biologic systems. In this fully revised and the functional interplay of these processes gives valu- updated second edition of Bioluminescence: Meth- able insights into the biological roots and benefits of ods and Protocols, expert researchers contribute a religion. readable and utilitarian compilation of the newest More on www.springer.com/978-3-642-00127-7 and most innovative techniques that have emerged in this rapidly expanding and progressively diverse Available field including methods to assess cell trafficking, pro- 2009. X, 304 p. 13 illus. (The Frontiers Collection, ) tein-protein interactions, intracellular signaling, and 978-3-642-00127-7 ▶ 69,95 € apoptosis. Also opening up the possibility to visual- ize and quantify biological mechanisms in real-time and in in vivo settings, the volume also describes the in vivo study of bacterial or viral infections, trans- planted cells, stem cells proliferation, vascular flow, E. Jacoby and tumors. Written in the highly successful Meth- ods in Molecular Biology™ series format, chapters Chemogenomics include brief introductions to their respective top- Methods and Applications ics, lists of the necessary materials, equipment, and reagents, step-by-step, readily reproducible laboratory The establishment, analysis, prediction, and expan- protocols, and notes on troubleshooting and avoiding sion of a comprehensive ligand-target Struc- known pitfalls. Authoritative and cutting-edge, Bio- ture-Activity Relationship (SAR) in the post-genomic luminescence: Methods and Protocols, Second Edi- era presents a key research challenge for this cen- tion provides protocols that are detailed enough to tury. -
Payment Processing European Acquiring
Payment Processing European Acquiring: Merchant Operating Guide Version 2.1 Latest Update 19-01-18 Paysafe Holdings UK Limited Page 1 <Document Name> Version <1.0> Paysafe Group Plc Date dd.mm.yyyy CONTENTS IMPORTANT INFORMATION ............................................................................. 3 PURPOSE OF THIS GUIDE .................................................................................. 3 CNP TRANSACTION (CARD NOT PRESENT (CNP) – E-COMMERCE, MAIL AND TELEPHONE ORDER ................................................................................................ 3 3D SECURE .................................................................................................................................................. 4 CARD SECURITY CODE (CSC)/ CARD VERIFICATION VALUE (CVC) AND ADDRESS ................................................. 4 NEGATIVE LIST .............................................................................................................................................. 5 ORDER VELOCITY MONITORING ....................................................................................................................... 5 IP ADDRESS AND BLOCK LISTS .......................................................................................................................... 5 FURTHER ADVICE ........................................................................................................................................... 7 SHIPPING GOODS AND PROVIDING SERVICES ....................................................................................................... -
A Handbook of Vendors to the North American Payments Market
2021 BUYERS’ GUIDE A handbook of vendors to the North American payments market Volume Eighteen, Number Eight • DigitalTransactions.net • August 2021 DigitalTransactions.net brings you the most important payments market news, in one place, updated the moment it happens Breaking news from the payments market, posted daily Concise, clean interface is easy to navigate Calendar of industry events Complete current and past issues of Digital Transactions magazine Detailed listings of payments market suppliers 13 years of payments news and analysis DIGITALTRANSACTIONS.NET CONTENTS August 2021 ■ Volume 18, Number 8 The Gimlet Eye 4 A Remarkable Industry BUYERS’ GUIDE 2021 ACH Information . Fraud Prevention . Payment Processing . ACH Processing . Gift Cards . Payment Software . Acquiring Bank . Global Acquirers . Payments Education . Age Verification . Healthcare Payments . PCI Compliance . Agent & ISO Program . High Risk Processing . PCI Security . Alcoholic Beverage POS Software . Identity Verification . Portfolio Assessment . Alternative Payments . Imaging Services . Portfolio Purchases . Associations. Imprinter Equipment & Supplies . Portfolio Sales . ATM Equipment & Services . Incident Response & Forensics . POS Cloud . Auto ID/RFID Technologies . Independent Software Vendors . POS Software . Automated Sales Tax Solutions . Independent Sales Organizations (ISOs) . POS Stands . Back Office Automation . Instant Card Issuance . POS Supplies . Bar Code Technology . Insurance . POS Systems . Bill Payment and Presentment -
GC Cabbie Nov 9 for PDF[1]
I S S U E MONTHLY 9 N O V E M B E R 2 0 0 9 GC Cabbie this issue From the CEO CEO News P.1 Operational News P.2 Once again the Gold Coast has shown it’s resiliency in the face of global pressures; the media has essentially reported that we are now in the Marketing / Ombudsman Survey P.3 middle of a boom, the restaurants are busy, there are people out and Accounts P.4 about and the public are travelling again. Our figures have shown the same trend: bookings have increased over the last three months and Technical Services P .5 our hope is that the trend continues. Our Contact Centre Staff have Human Resources / Dreamworld Rank P.6 been under pressure as the calls have increased faster than antici- pated, thus, we have hired additional staff to assist with the Christmas Customer Feedback P.7 period. I would like to congratulate all of the Customer Service Reps Customer Feedback P.8 and Radio Operators for their efforts. Following on from a disappointing SuperGP we are heading into our traditionally busy period. Everyone within the Gold Coast Cabs group needs to ensure that we continue to provide exceptional customer service even when it is busy: • Smile • Be courteous • Be helpful (put the luggage / shopping into the car, open the door for the passenger etc) • Take pride in your work, car and appearance • Drive safely • Offer to change the radio station or to turn it off • Ask if they are comfortable, adjust / turn on the air-conditioning • Don’t speak on your mobile phone (even hands free) with passengers in the car • Be positive Do every job: every customer is to be treated equally, regardless of whether they are travelling around the cor- ner or going further. -
Merchant Integration Guide
PAYFORT Merchant Integration Guide Document Version: 10.0 July, 2019 PayFort PayFort Merchant Integration Guide Copyright Statement All rights reserved. No part of this document may be reproduced in any form or by any means or used to make any derivative such as translation, transformation, or adaptation without the prior written permission from PayFort Corporation. Trademark 2014-2019 PayFort ©, all rights reserved. Contents are subject to change without prior notice. Contact Us [email protected] www.PayFort.com 2014-2019 PayFort ©, all rights reserved 2 PayFort PayFort Merchant Integration Guide Contents 1. FORT in a Glimpse .......................................................................................................................... 11 2. About this Document ........................................................................................................................ 12 2.1 Intended Audience .................................................................................................................... 12 3. Request/ Response Value Type ....................................................................................................... 13 4. Before Starting the Integration with FORT........................................................................................ 14 5. Redirection ....................................................................................................................................... 15 Authorization/ Purchase URLs .................................................................................................